Azimute Real Estate Advisers

What documents do you need to apply for a mortgage?

Each case can be different, and banks may request more or less documentation in a home loan application process. Find out here the main documents requested by the Portuguese banks.


  • Portuguese Tax Number
  • Copy of ID Card(s) or Passport(s)
  • Proof of Address (i.e. utility bill)
  • Bank statements for the last 6 months (current & savings accounts)
  • Credit Report (for some banks)

If employed

  • Last year Tax Returns (P60 in the UK; IRS in USA)
  • Summary assessment of the Tax Returns
  • Pay slips for the last 3 months
  • Employer Declaration (reference from your employer)

If self-employed

  • Last 1 to 3 years Business’ last year Tax Returns
  • Last 1 to 3 years Summary assessment of the Tax Returns
  • Business’ bank statements for the last 3-6 months

Financial commitments (if applicable)

  • Latest mortgage statement
  • Details of personal loans (amounts due, monthly installments)
  • Copy of lease agreement for your house (if living on a rented property)

If employed on a company where the applicant owns 20%or more of the shares

  • Company’s last year Tax Returns
  • Business’ bank statements for the last 3-6 months
  • Registry certificate from “Companies House” (UK) or equivalent (USA)

Property documents (not necessary during the pre-approval process if you have not chosen a chosen property yet)

  • Tax document (“Caderneta Predial”)
  • Land registry certificate (“Certidão Teor”)
  • Floorplans (if purchasing a villa)

Do you need support in applying for a mortgage loan and preparing all the documentation? Our specialized and experienced team is here to help. Contact us.